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Shelby County State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11702

Shelbyville, IL

6 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Shelby County State Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.31% above tier average
  • + Efficiency Ratio 11.15% below tier average
  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 32.7% in tier
  • - Net Interest Margin 0.26% below tier average
Get updates when Shelby County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $361.1M
+3.1% YoY -0.3% QoQ
-$25.0M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
56%
Total Loans ? $252.0M
+5.4% YoY +0.8% QoQ
-$3.8M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
60%
Total Deposits ? $323.9M
+0.5% YoY +2.3% QoQ
-$4.1M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
59%
Return on Assets ? 1.58%
+14.4% YoY +15.6% QoQ
+0.31% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
72%
Net Interest Margin ? 3.67%
+3.4% YoY +2.1% QoQ
-0.26% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
39%
Efficiency Ratio ? 54.14%
-12.6% YoY -11.4% QoQ
-11.15% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
76%
Delinquency Rate ? 0.33%
-22.1% YoY -1.9% QoQ
-0.56% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
55%
Loan-to-Deposit Ratio ? 77.79%
+4.9% YoY -1.5% QoQ
+1.15% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
51%
Non-Interest-Bearing Deposit Share ? 16.63%
-5.9% YoY +0.3% QoQ
-5.38% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
30%
Nonperforming Asset Ratio ? 0.36%
-14.9% YoY -0.4% QoQ
-0.28% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
46%
Tier 1 Capital Ratio ? 10.32%
+5.6% YoY +2.7% QoQ
-5.51% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Bottom 13.9% in tier
Non-Interest Income / Assets ? 0.08%
-0.9% YoY -75.3% QoQ
-0.20% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#219 of 666 • Bottom 32.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.32%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

649
Efficiency Ratio
profitability
Value: 54.14%
Peer Median: 65.29%
#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

2294
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.83%
#2294 of 2664 Bottom 13.9% in $100M-$1B
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